First State Bank of Joplin in Joplin, Missouri (MO)



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First State Bank of Joplin routing number info

Table of contents:
First State Bank of Joplin
GeneralFDIC Certificate #: 1652
Status: Active
Federal Reserve ID: 872551
Bank Holding Company (Regulatory Top Holder): Buerge Bancshares, Inc. (RSSDID: 1060346, Location: Joplin, MO)
Date Established: May 05, 1925
WWW: http://www.fsbj.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9974
FDIC's unique #: 1087
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: October 13, 2006
Last Structure Change Process Date: November 22, 2006
Last Data Update: November 22, 2006
Data Source Date: April 05, 2012
LocationAddress: 802 Main Street, Joplin, MO 64801
County: Jasper
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Joplin, MO (#3710)
Core Based Statistical Area (CBSA): Joplin, MO (#27900)
CBSA Metro Statistical Area: Joplin, MO (#27900)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $185.8 mil
Equity capital: $20.9 mil
Deposits held in domestic offices: $160.5 mil
Return on assets (ROA): 1.64% ($3.1 mil)
Quarterly return on assets: 1.61% ($3.0 mil)
Return on Equity (ROE): 15.23% ($3.2 mil)
Quarterly return on equity: 14.58% ($3.1 mil)
Net income: $3.0 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.64% ($3,046.4 mil)
Quarterly Pretax return on assets: 1.61% ($2,990.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)63
Total assets$185,754
Cash and due from depository institutions$15,742
Interest-bearing balances$12,630
Securities$80,768
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$82,022
Loan loss allowance $2,623
Trading account assets$0
Bank premises and fixed assets$1,619
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$5,603
Life insurance assets$185,754
Total liabilities and capital$164,826
Total liabilities$160,468
Total deposits$122,245
Interest-bearing deposits$160,468
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,779
Other borrowed funds $0
Subordinated debt $1,579
All other liabilities $20,928
Total equity capital$20,928
Total bank equity capital$20,928
Perpetual preferred stock$0
Common stock$496
Surplus$4,683
Undivided profits $15,749
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $645
Earning assets $0
Long-term assets (5+ years) $755
Average Assets, year-to-date $175,420
Average Assets, quarterly $55,907
Volatile liabilities $182,335
Insider loans $190,668
FHLB advances $87,938
Loans and leases held for sale $189,255
Unused loan commitments $3,601
Tier 1 (core) risk-based capital $3,601
Tier 2 risk-based capital $18,434
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,203
Derivatives$1,384
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,184
Total interest expense $655
Net interest income $6,529
Provision for loan and lease losses $75
Total noninterest income $1,693
Fiduciary activities $0
Service charges on deposit accounts $481
Trading account gains & fees $0
Additional noninterest income $1,212
Total noninterest expense $5,341
Salaries and employee benefits $3,146
Premises and equipment expense $731
Additional noninterest expense $1,464
Pre-tax net operating income $2,806
Securities gains (losses) $189
Applicable income taxes $0
Income before extraordinary items $2,995
Extraordinary gains - net $0
Net income attributable to bank $2,995
Net charge-offs $0
Cash dividends $2,995
Sale, conversion, retirement of capital stock, net $41
Net operating income $2,325
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.20%
Cost of funding earning assets 0.38%
Net interest margin 3.81%
Noninterest income to earning assets 0.99%
Noninterest expense to earning assets 3.12%
Net operating income to assets 1.54%
Return on assets (ROA) 1.64%
Pretax return on assets 1.64%
Return on equity (ROE) 15.23%
Retained earnings to average equity (YTD only) 3.41%
Net charge-offs to loans 0.05%
Credit loss provision to net charge-offs 182.93%
Efficiency ratio70.27%
Assets per employee$64,960
Cash dividends to net income (YTD only)2.95%
Condition Ratios (%)
Loss allowance to loans 77.63%
Loss allowance to noncurrent loans 3.10%
Noncurrent assets plus other real estate owned to assets 406.67%
Noncurrent loans to loans 0.35%
Net loans and leases to deposits0.76%
Net loans and leases to core deposits 51.11%
Equity capital to assets 52.18%
Core capital (leverage) ratio 11.27%
Tier 1 risk-based capital ratio 9.74%
Total risk-based capital ratio 20.96%
Memoranda
Average assets$22
Average earning assets$182,335
Average equity $19,667
Average loans $171,161
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6 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
01087First State Bank Of Joplin802 Main Street, Joplin, MO 64801May 05, 1925Full Service Brick and Mortar
1189955Range Line Branch2433 Range Line, Joplin, MO 64801August 18, 1975Full Service Brick and Mortar
2189956Webb City Branch1010 S Madison Ste M, Webb City, MO 64870June 20, 1997Full Service Retail
418995832nd Street Branch1316 East 32nd Street, Joplin, MO 64804July 31, 1998Limited Service Facility
53574337th & Maiden Lane Express Branch1651 West 7th Street Suite 1, Joplin, MO 64801May 08, 2000Full Service Brick and Mortar
73051Sarcoxie Branch501 Cross Street, Sarcoxie, MO 64862September 01, 1881Full Service Brick and Mortar
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